Asset Finance

Finance to help replace or upgrade your assets.

Whether you’re looking to purchase new or used machinery, specialised equipment or vehicles, we could help you fund it. Secured or unsecured, our flexible business loans may provide the asset finance you need.

Get started with our 2 minute application

I would like to borrow:

unsecured

My yearly business turnover is:

Apply Now
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Here's how it works

1

Complete the easy online application anytime, anywhere.

2

In just a few seconds we'll get back to you with a decision.

3

If approved, the money could be in your account in a matter of days.

Get Started

What we offer

  • Borrow up to $250,000 against new or used goods

    100% finance available. We’ll work to suit your cash flow with seasonal payment structures and flexible terms of up to 5 years. We can even fund GST if needed.

  • No need to change your bank

    And no need to mortgage your home. Our fast and flexible finance is designed to work alongside your everyday banking to give you the freedom to manage your finances to suit your needs.

  • Get the business assets you need

    If approved, use your asset finance facility to purchase new vehicles and equipment or replace existing assets. Talk to us about what you need – we’ll do our best to help.

What our customers say

"The online application was easy ... It's great finding a bank that walks the talk and is there to help entrepreneurs like us."

Richard Liew

Founder of NZ Entrepreneur,
Open for Business customer

Why choose Heartland?

When you get a business loan from Heartland, you don’t have to move your other banking to us. We’re happy for you to stay with your main bank for your day-to-day banking needs.

1,000

businesses funded, and counting

$ 25 million

lent to small businesses

25 years

experience managing Kiwis' money

Start your application

I would like to borrow:

My yearly business turnover is:

Apply Now
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Questions? We have answers

Our secured rates start from 8% (p.a.), however this rate can vary depending on a range of factors. Once you have completed our 2 minute online application our lending specialists will discuss interest rates and repayments with you.
We don’t take residential property as security; we will look to use business assets instead such as vehicles or machinery as security.
Of course! Though it’s worth noting that if you are starting a business we will request a business plan, cash flow projections and 3 months of personal bank statements.
Unsecured loans have a max term of 60 months. However this is dependent on meeting our lending criteria. Secured loans have a max term of 5 years but can go up to 7 years in certain circumstances.
The minimum business loan application is $10,000. There is no maximum; however we will require additional information for any loan above $75,000.
We usually require a copy of the business financial statements to assess a loan application. If the application is successful we will require some additional supporting information such as identification.
Yes you can, just complete our online application and our business lending specialist will get in touch with you to discuss your best options.
Every start-up will have unique requirements which means we need to take into account the different circumstances of every application. Please give us a call to discuss your loan as you won’t be able to get an automated decision.
Once your application is approved, we need to verify the information you provided and conduct any additional credit checks that may be required. We’ll talk to you about the loan terms and rate, the loan funds will then be paid to your nominated bank account.
The online application takes around 2 minutes, and you'll receive a decision in a few seconds.

Discover the right business finance for you.

Truck and Trailer Loans

Funding for all types of trucks and trailers.

Plant & Equipment

Fund the equipment your business needs now.

Small Business Loans

Fast finance for your small business.

Franchise Loans

Finance that gets your franchise up and running.

Heavy Machinery Loans

A flexible way to finance your heavy machinery.

Working Capital Loans

Funding to assist with your business' cash flow.

Prefer to talk directly to one of our business specialists?

Chat with Heartland

Chat online now

Call Heartland

Call 0800 80 91 91